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Unum UNM Unum International — Deferral of Acquisition Costs

Other segment segments

Unum US
$91.6M+8.1%
Colonial Life
$89.8M+8.7%
Closed Block
$0
Corporate
$0

Similar metrics at other companies

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$546M+5.6%
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CINFUniversal life — Deferred policy acquisition costs
$49M-3.9%
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AMPVariable Universal Life Insurance — Deferred acquisition costs
$573M+2.9%
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EGInsurance — Deferred Acquisition Costs
$280M+3.7%
Fidelity National Financial logo
FNFUniversal Life — Deferred Policy Acquisition Cost, Capitalization
$77M+11.6%

Other financials

Income statement

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Revenue$3.4B+8.5%
Operating income$501.8M+2.4%
Net income$232.0M+22.7%
EPS (diluted)$1.41+33.0%

Balance sheet

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Cash & equivalents$192.6M-19.0%
Total debt$3.8B+0.5%
Total equity$10.9B-2.9%
Total assets$62.7B+0.4%

Cash flow

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Operating cash flow$340.8M-3.6%
CapEx$39.6M+10.6%
Free cash flow$301.2M-5.2%

Valuation

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Market cap$14.38B-17.0%
Enterprise value$17.95B-13.3%
P/E18.4×+7.4×
P/S1.1×-0.3×

Profitability

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Net margin5.9%-6.5pp
FCF margin11.2%+1.4pp

Returns & leverage

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Return on equity7.1%-7.6pp
Debt / equity0.3×0.0×

Where this comes from

Reported directly by Unum in its filing.

Tagged under the XBRL concept unm:DeferralOfAcquisitionCosts.

The official record: Unum’s 10-Q, filed April 29, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Unum's unum international — deferral of acquisition costs?
Unum (UNM) reported unum international — deferral of acquisition costs of $9.2M in Q1 2026.
How has Unum's unum international — deferral of acquisition costs changed year-over-year?
Unum's unum international — deferral of acquisition costs increased by 73.6% year-over-year, from $5.3M to $9.2M.
What is the long-term trend for Unum's unum international — deferral of acquisition costs?
Over 2 years (2023 to 2025), Unum's unum international — deferral of acquisition costs has grown at a 22.8% compound annual growth rate (CAGR), from $14.6M to $22M.
What does unum international — deferral of acquisition costs mean?
The amount of sales and acquisition costs that are capitalized rather than expensed immediately.
How do you interpret unum international — deferral of acquisition costs?
Higher deferrals suggest strong new business growth, while lower deferrals may indicate a slowdown in new policy issuance.
How does unum international — deferral of acquisition costs compare across companies?
Commonly referred to as 'Deferred Acquisition Costs (DAC)' in the insurance industry.